Federal credit union · Newark, New Jersey · NCUA charter #10803
Israel Memorial a M E
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $406K
- Total assets
- 186
- Members
- 41.2%
- Net-worth ratio
Israel Memorial a M E scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $406K; members 186; net-worth ratio 41.18%; health rank #3,849 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,849 of 4,374 health · 2025Q4Israel Memorial a M E · health 65/100 · $406K · 2025Q4
- MEM 65/100
- RANK 41.2%
- PHOTO 12.04%
- BOOK 1.76%
- CHARTER $406K
- NCUSIF 186
- CAMELS #3,849/4,374
- HEALTH n/a
- NW 10803
Call Report peers
Israel Memorial a M E carries $406K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Israel Memorial a M E vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Israel Memorial a M E - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10803, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Israel Memorial a M E vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Net Worth Ratio: +18.25 pp (41.18% vs 22.93%).
- Largest lag: Delinquency Rate at 12.04% vs peer 4.48% (+7.56 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Israel Memorial a M E in New Jersey
- New Jersey health ordinal: #98 of 127.
- By total assets, Israel Memorial a M E is #126 of 127 in New Jersey.
- Member book place in New Jersey: #121 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Israel Memorial a M E Call Report trajectory
Israel Memorial a M E: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $406K (2025Q4) to $412K (2026Q1).
- Net-worth ratio shifted +0.44 pp (40.74% → 41.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
41.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 11.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 41.18% | +18.25 pp |
| Delinquency Rate | 12.04% | +7.56 pp |
| Return on Assets | 1.76% | +1.54 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 53.54% | +0.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Israel Memorial a M E filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $412K | - |
| 2025Q4 | $406K | 186 |
| 2024Q4 | $379K | 186 |
| 2023Q4 | $341K | 183 |
Credit Union Details
- Charter Number
- 10803
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New Jersey
- City
- Newark
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Israel Memorial a M E.
| Office | City |
|---|---|
| Israel Memorial AME (Main Office) | Newark, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Israel Memorial a M E - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- Israel Memorial a M E ranks #3,849 of 4,374 nationally on financial health and #98 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Camden Firemen's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Camden Firemen's
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Israel Memorial a M E financially healthy?
Yes/no aside, the number is 65/100 (Good) - Israel Memorial a M E's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,849 of 4,374; by total assets it ranks #4,310 of 4,374 nationally (same basis as /rankings/largest); and #126 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 41.18% net worth ratio and 12.04% delinquency rate are the key drivers.
How does Israel Memorial a M E compare to other credit unions?
PlainCU's health composite puts Israel Memorial a M E at 65/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Israel Memorial a M E?
Israel Memorial a M E operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Israel Memorial a M E directly for the exact boundaries and application steps.
Is my money safe at Israel Memorial a M E?
Federal credit unions like Israel Memorial a M E are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Israel Memorial a M E's net worth ratio of 41.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Israel Memorial a M E offer compared to banks?
Credit unions like Israel Memorial a M E are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Israel Memorial a M E directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.